Your future starts today

Saving money is the best way to prepare for your future. And the best time to get started is today. Compare your options now.


Basic savings

We understand that you have hopes and dreams—from putting your kids through college to taking a memorable family vacation. Even if you start your savings plan with only a few dollars a week, once you commit to doing so regularly, it can help you build sizeable balances over time. At Old Second, we can help you set up a savings plan that matches your budget.

REGULAR SAVINGS PLUS


A simple and easy way for anyone and everyone to save. The Regular Savings Plus requires a $50 minimum deposit to open and a $50 minimum balance to avoid a $5.00 service fee. No minimum balance is required to earn interest*.

BENEFITS:
  • Free services include: O2 Online Banking, 24/7 account access by phone or Infoline and 3 withdrawals monthly**
See the rates or open now
*Rates may change after account is opened. Fees could reduce earnings. **$1.50 fee for each excess debit.

O2 MONEY MANAGER MONEY MARKET


A smart way to manage your money. The interest you earn increases with your balance.* Requirements include a minimum of $5,000 to open and a $5,000 daily balance to earn interest and avoid a $15 monthly service fee.

BENEFITS:
  • Free services include: O2 Online Banking, email alerts and 6 transfers or checks per month**
See the rates or open now
*Rates may change after account is opened. Fees could reduce earnings. **$12 fee for each excess debit.

Premium savings

As your balances grow, you gain access to a collection of savings plans and saving opportunities that can keep your money working for you and in ways that are appropriately matched to meeting your personal goals.

MONEY CONNECTION


Make the connection to higher interest rates. Choose the O2 checking account that best suits your needs and link it to either an O2 Money Manager Money Market account or an O2 Money Builder Savings account.

BENEFITS:
  • Optional automatic overdraft sweep
  • Debit card
  • Enrollment in O2 Debit Rewards program
  • Consolidated monthly account statement
  • Free services include: O2 Online Banking, email alerts, imaged check statements and 24/7 account access by phone or Infoline
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O2 MONEY BUILDER SAVINGS


A faster, more efficient way to build savings if you are able to maintain a higher daily balance.* An O2 checking account is required along with a minimum $1,000 to open and a $1,000 daily balance to earn interest and avoid a $15 monthly service fee.

BENEFITS:
  • Overdraft sweep
  • Free services include: O2 Online Banking, email alerts, 6 transfers and withdrawals or checks per month,** and 24/7 account access by phone or infoline
See the rates or open now
*Rates may change after account is opened. Fees could reduce earnings. **$12 fee for each excess debit.

Life savings

Making savings routine has been the starting point for many families' fortunes.

CERTIFICATES OF DEPOSIT (CDs)


A safe and stable savings option for those who can put their money away for longer periods of time.* Terms range from 3 months to 5 years (60 months).

BENEFITS:
  • FDIC insurance offers safety and security
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*Substantial penalty for early withdrawals.

HEALTH SAVINGS ACCOUNTS (HSAs)


A tax-advantaged way of paying for medical expenses—current and future—while earning attractive rates of interest on your idle balances. A HIGH DEDUCTIBLE HEALTH PLAN (HDHP) IS REQUIRED.

BENEFITS:
  • Carryover unspent health savings from year to year to build balances
  • Plan ahead and save for health care costs in retirement
  • Take your health savings with you when you leave an employer

Contact a personal banker at 877-866-0202